Free cash flow forecast · Small business

Small business cash flow forecast — from your real bank CSV, not a spreadsheet.

Drop in a bank CSV and get a 13-week cash runway, auto-categorised transactions, and 30-day KPIs in under 60 seconds — no credit card, no signup wall on the free tier.

CashWise AI · Dashboard
sample · 90 days
Demo data Local-only

Current Balance

$48,200

90-day

30-day Net Change

+$3,940

inflows − outflows

Inflows vs Outflows

14 in · 38 out

last 30 days

Daily net · last 12 weeks

USD · localStorage

DateDescriptionCategoryAmount
Jul 12Stripe payment
Revenue
+$1,200
Jul 11WeWork Membership
Rent
−$2,800
Jul 11ADP Run
Payroll
−$6,200
Jul 10AWS
Software/SaaS
−$340

Owners running a small business don't need a spreadsheet the size of a phonebook to see whether they'll be solvent next month. A good cash flow prediction tool for small business turns a bank export into three numbers you actually care about — today's balance, last month's net, and a forward projection — so a shortfall shows up before it's a missed payroll.

CashWise AI is a free cash flow forecast built for that exact workflow. Upload a CSV from Chase, Bank of America, Wells Fargo, or any generic Date / Description / Amount export; every row gets auto-tagged (Payroll, Rent, Software/SaaS, Revenue, Fees), the dashboard computes its KPIs locally in your browser, and the 13-week runway callout sits at the top so the number you're looking for is never more than a glance away.

The free tier stays free — no credit card, no trial countdown. When you outgrow a single device, upgrade to Pro for server-side sync across machines, scheduled CSV uploads, and ex-ante cash-flow insights. Sign up free to bring your own CSV, or open the seeded demo to see the dashboard first.

Built for the workflow

What you get, in plain business language.

Forecast
A 13-week cash runway, not a fuzzy guess.
Extends the recurring items you've already paid — payroll, rent, software — into a forward 91-day projection so a shortfall shows up before it's a missed payroll.
Weekly digest
A Monday-morning digest email, auto-sent.
Every Monday at 7 AM local you get today's balance, projected end-of-week, and the biggest charges in the next 7 days.
Weekly digest
Mon 7:00 AM local
Auto-send

Current balance

$48,200

Projected by end of week

$53,010

Next 4 weeks

DateChargeAmount
Tue Jul 21Gusto payroll $4,500
Wed Jul 22WeWork membership $2,800
Thu Jul 23AWS June bill $1,180
Savings
Scenario tools and a 1-click weekly sweep.
Stress-test a hiring plan or a price hike, and let CashWise flag the weeks where there's room to move cash into a reserve bucket. One click per week keeps your tax / buffer discipline intact.
Tax reserve callout
Week of Jul 14
1-click

Move to reserve

$1,420

Stripe payouts today cover payroll and rent with $1,420 of headroom. Move it to the reserve bucket so the Aug 15 quarterly tax estimate doesn't catch the client off guard.

YTD streak

8 of last 8 weeks swept — reserve buffer is locked in.

FAQ

Common questions from small business owners.

What's the best free cash flow forecast for a small business?

CashWise AI gives small business owners a free cash flow forecast in under 60 seconds — no credit card, no trial, no setup call. Drop in a CSV export from your bank and the dashboard fills in: today's balance, last 30 days of inflows vs. outflows, and a forward projection that flags when your cash starts getting tight.

How accurate is the 13-week forecast?

The 13-week projection extends the recurring items you've already paid — payroll, rent, software/SaaS — so it's grounded in what your bank actually shows, not a generic rule-of-thumb. Forecast accuracy improves as you import more history; longer CSVs produce tighter runway estimates.

Do I need a credit card to try it?

No. The free cash flow forecast is genuinely free — no credit card, no trial countdown. Everything runs locally in your browser, so you can import a CSV and see numbers without signing up. Sign-up is only required if you want server-side sync across devices or scheduled CSV uploads (Pro tier).

Does my bank CSV format work?

CashWise auto-detects common bank export layouts (Chase, Bank of America, Wells Fargo) and any generic Date / Description / Amount CSV. If we can’t read a column, we’ll ask before we parse so you don’t lose a row.

Will it work with my bank if I am outside the US?

Yes. CashWise parses any bank CSV (USD, EUR, GBP, AUD, CAD, etc.) and the forecast engine runs on the numeric amounts themselves — no FX conversion, no country lock-in. The only caveat: the dashboard currently formats every amount as USD on display, so a £1,250 row will render as USD 1,250.00. The numbers driving the forecast are exactly what your bank exported — display-currency follows on the roadmap.

How is my data stored?

On the free tier, everything stays in your browser's localStorage — we don't make a network call with your CSV. Server-side sync is opt-in and only enabled on paid tiers when you ask for it. You can wipe your local data from the dashboard at any time.

Can I upgrade to Pro later?

Yes. Free stays free forever. When you outgrow single-device local storage, upgrade to Pro ($39/month) for server-side sync across devices, scheduled CSV uploads, and ex-ante cash-flow insights. Team / multi-user accounts are on the roadmap.

No credit card to start

See your 13-week cash runway in 60 seconds.

Free for any small business owner. Upgrade only when you outgrow a single device.

Try the forecast — freeSee pricing →